Your Home for Efficient and Modern Financial Solutions

Ratewise Finance brings you Mortgage Broking Solutions from our experienced team of mortgage brokers who assist you in securing the ideal home loan, acting solely in your best interest. Our experienced team provides personalised guidance, expert advice andnegotiates with lenders on your behalf to secure the best possible interest rates and terms.

Our panel of lenders:

Our panel of lenders:

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About Ratewise Finance

At Ratewise Finance, we set a new standard in financial services through our commitment to quality, professionalism, and efficiency. As a premier finance brokerage, we aim to empower individuals and businesses to reach their financial goals confidently and easily. Our experienced team of mortgage brokers offer personalised solutions that exceed expectations, becoming your trusted partner in building financial security and achieving homeownership. We prioritise delivering an excellent customer experience, ensuring your journey is smooth and deeply rewarding.

Our Services​

Navigating Mortgages with Ease and Confidence

We deliver exceptional financial services that go beyond the ordinary. Our team of experts is dedicated to understanding your unique needs and providing personalised solutions that exceed your expectations.Our core services include:

Loan Services

First home buyer loans

Ratewise Finance offers expert guidance to help you find the perfect home loan for this significant and exciting purchase in your life. We aim to make this journey smoother and stress-free by providing tailored advice and access to the most reputable lenders in Australia.

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Refinancing

Refinancing your mortgage can be a powerful tool for Australian property investors seeking to grow their wealth. Ratewise Finance offers comprehensive refinancing services, connecting you with competitive loan options from banks and lenders nationwide.

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Construction loans

Construction loans offer several key advantages, including flexible funding where funds are released progressively to align with your project’s timeline, interest efficiency by paying interest only on the drawn-down amount, and a streamlined process with expert guidance and an efficient application process.

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Investment Loans

Whether it’s your first property or an addition to your portfolio we help investors achieve their financial goals through property investment. We offer personalised guidance and tailored solutions, working with reputable banks and lenders to provide competitive interest rates, both variable and fixed.

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Plant/Machinery

Investing in plant and machinery can be a significant move for any business. Our plant and machinery finance options are designed to provide the capital you need to acquire these essential assets, with terms that suit your financial situation. Whether you’re expanding operations or upgrading to more advanced machinery, Ratewise Finance is here to support your business growth.

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Boat loans

Set sail with our tailored boat loan services, designed to help you finance the vessel of your dreams. We provide flexible options to suit your needs, so you can enjoy the freedom of the open water without financial stress.

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Trailers

Transporting goods or equipment is a critical aspect of many businesses. Our trailer finance services offer flexible and affordable solutions for purchasing or leasing trailers, ensuring that your logistics run smoothly. We work with you to find the best financing option that supports your business’s operational needs.

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Unsecured car loans

An unsecured car loan is not backed by the vehicle itself. It’s essentially a personal loan with the specific purpose of purchasing a car. If the borrower fails to make repayments, the lender must take legal action to recover the funds. Due to the increased risk, unsecured car loans generally come with higher interest rates, additional fees, and stricter lending criteria.

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Secured car loans

A secured car loan is a type of financing where the vehicle purchased with the borrowed funds serves as collateral. This means the lender has the right to seize and sell the vehicle if the borrower defaults on the loan payments. In exchange for this security, lenders typically offer lower interest rates compared to unsecured car loans, making them the most popular choice.

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Novated Lease

Novated leases present a tax-efficient option for vehicle financing, utilising pre-tax income for car loan repayments. This arrangement requires the consent of your employer, who will then make the repayments on your behalf as part of your salary package. It’s important to note that if the vehicle is used for personal purposes, it may incur fringe benefit tax (FBT) obligations for the employer.

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What sets us apart

Our mortgage brokers are devoted to providing exceptional customer care, ensuring a smooth and supportive experience as we guide you through each stage of the mortgage process, from beginning to end.

Free consultation

Our consultations are free of charge right from the beginning, not only from the initial one but after the loan sets. We believe that expert financial advice should be accessible to everyone. That's why we offer free consultations from the very start, ensuring you receive the guidance you need without any financial commitment. Our support doesn't stop after the initial consultation, we’re here for you every step of the way, even after your loan is settled. We are always available to provide you with the expert advice you need, free of charge.

Best Solutions and Customer Satisfaction

As an independent mortgage broker, Ratewise Finance is committed to finding the best financial solutions for you, not for the lenders. Our independence means we work solely in your best interests, offering unbiased advice and access to a wide range of loan products. We take the time to understand your unique needs and financial goals, ensuring that the solutions we recommend are perfectly aligned with your circumstances. Your satisfaction is our priority, and we go the extra mile to deliver personalised service that exceeds your expectations.

Seamless loan process

We pride ourselves on providing a trusted and seamless, experience from start to finish. Whether you prefer detailed explanations at every step or a quick and efficient process, we tailor our service to meet your needs. Our experienced team handles all the complexities, ensuring that everything runs smoothly and that you’re kept informed and confident throughout your financial journey. With Ratewise Finance, you can trust that your loan process is in capable hands.

Service that fits your need

At Ratewise Finance, we understand that every client is different. That’s why we offer a personalised service that fits your individual needs, whether you require in-depth guidance or a streamlined, efficient process. We listen to your concerns, answer your questions, and adapt our approach to ensure that your experience with us is as smooth and rewarding as possible. Your financial well-being is our top priority, and we’re here to help you achieve it with a service that’s tailored just for you.

Low rates and affordable monthly payments

Home Purchase

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First-time Home Buyer

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Loan Options

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Providing the Best Future for Your Best Living

Our focus is on empowering everyday Australians to make informed decisions, ensuring you’re equipped to build a secure and prosperous future.At Ratewise Finance, we prioritise creating a personalised customer experience that meets your unique financial needs. Whether you’re a first-time homebuyer, an experienced investor, or in search of tailored financial solutions, we’re here to guide you through every step of the journey.

Our Services

Secure your future and uncomplicate your finances

We provide an extensive array of financing solutions beyond just home loans. Whether you’re seeking an investment property loan, refinancing options, or personalised financial advice, we’re here to support your requirements.

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Help People Get Home

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Why Choose Us

Mortgages Made Simple

We evaluate your financial situation, compare a range of loan options, and negotiate on your behalf to secure the most suitable mortgage for your needs. Our aim is to streamline the process and obtain the most advantageous terms for your loan.

Direct Access to Experts

Our dedication to exceptional service means you can directly connect with experienced finance professionals. Enjoy the convenience of working with experts who are committed to providing quick, straightforward finance solutions tailored to your unique requirements.

Effortless Financing Solutions

We recognise that securing funding is a crucial part of your financial journey. Let us handle the heavy lifting as we thoroughly explore lending options. With access to various finance lenders, we’re well-positioned to find the perfect loan for your needs.

Customised Lending Solutions

At Ratewise Finance, we take the time to understand your specific lending requirements. Our approach involves a detailed assessment of your current and future goals, ensuring we create loans that integrate into your financial plan.

Listing Property

Refinance Your Home Loan

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House

$110,000-$199,000
Balaraja Garden City

Tangerang, Indonesia

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Apartment

$50,000-$99,000
Ophelia Apartment

Surabaya, Indonesia

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Office & Apartment

$80,000-$150,000
Twin Tower Office & Apartment

Semarang, Indonesia

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House

$140,000-$220,000
Serpong Smart Town

Tangerang, Indonesia

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FAQS

Yes, all our mortgage brokers are fully licensed and accredited. They are experienced professionals who adhere to the highest industry standards, ensuring that you receive trustworthy and reliable advice throughout your financial journey.

Yes, we can! At Ratewise Finance, we understand the unique challenges that self-employed borrowers face. We specialise in finding tailored loan solutions for self-employed individuals, ensuring that you can secure the finance you need with options that suit your business and personal circumstances.

As independent mortgage brokers, we have access to a broad network of lenders, including major banks and second-tier lenders. This allows us to offer competitive interest rates that are tailored to your specific financial situation. We’ll work with you to find the best rate available.

Absolutely! We are here to guide first home buyers through the entire process, from understanding your borrowing capacity to finding the right loan and navigating government grants. Our goal is to make your journey to homeownership as smooth and stress-free as possible.

Definitely. Refinancing can be a great way to secure a better interest rate, reduce your payments, or access equity in your property. We can help you assess your options and guide you through the refinancing process to ensure you get the most benefit from your new loan arrangement.

No, we offer a wide range of financial services beyond home loans. Whether you’re looking for investment loans, refinancing, vehicle finance, or equipment and asset finance, our team is equipped to assist with all your financial needs.

Appointment

Let's Talk with a Lending Specialist

Connect with our expert lending specialists to explore the best financing options tailored to your needs. We simplify the process and provide clear, actionable advice to help you make informed decisions about your loan. Whether you’re buying a new home, refinancing, or investing, our specialists are here to guide you every step of the way.

Our commitment is to support you through every stage of your loan journey. From initial consultation to final approval, we ensure a smooth and stress-free experience. Our team will be with you from start to finish, providing expert guidance and answering any questions you may have.

Experience a personalised approach with our dedicated loan concierge service. We offer one-on-one support to address your unique financial situation, ensuring that all your needs are met with precision and care. Our concierge is here to make your loan process as efficient and seamless as possible.

Enjoy competitive rates and low fees with our flexible financing solutions. We work with a wide range of lenders to find the most favourable terms for you. Our goal is to provide you with the best value, helping you save money and achieve your financial goals.

Make an Appointment

Fill in your details and click below to book your appointment today. We look forward to helping you achieve your financial goals.

Testimonials

We take pride in delivering exceptional service and tailored financial solutions that truly make a difference in people’s lives. But don’t just take our word for it, hear what our clients have to say. Read our testimonials to see how we’ve helped others, and how we can help you too.

’Ratewise Finance made buying our first home so much easier than we expected. They walked us through every step, explained everything in simple terms, and found us a great loan. We couldn’t be happier with the service!

"As a self-employed individual, I struggled to find a lender who understood my situation. Ratewise Finance not only found me a loan but also got me a great rate. Their personalised service was outstanding."

"Refinancing our home loan with Ratewise Finance was a breeze. They took care of all the details and saved us a lot of money on our monthly repayments. I highly recommend them!"

Mortgage Solutions

Secure Your Home Loans

Don’t let the mortgage application process stress you out. Allow us to guide you through each step, ensuring you feel confident and informed in your decision.

Make an Appointment

Fill in your details and click below to book your appointment today. We look forward to helping you achieve your financial goals.